If BNPL (Buy Now Pay Later), then why not PNBL?

We have seen phenomenal growth in the BNPL (Buy Now Pay Later) segment in recent past, why not also have PNBL – Pay Now Buy Later. Kartik Swaminathan explains
Retail Banking: The DIRECT model for Sales Excellence

With short sales cycles, low product differentiation and high competition it is critical that the Retail Banking teams follow a well thought out plan to bring method to madness. Pritha Dubey shares the ‘DIRECT’ approach to achieve excellence in Retail Banking Sales